Oregon Medicare Supplement Calculator 2026

Oregon Medigap Plans Explained

Medicare Supplement insurance — commonly called Medigap — fills the coverage gaps left by Original Medicare (Parts A and B). In Oregon, private insurers sell standardized Medigap plans labeled A through N. The two most popular plans in 2026 are Plan G and Plan N.

Plan G is the most comprehensive option available to beneficiaries who enrolled in Medicare on or after January 1, 2020. It covers the Part A deductible ($1,676 in 2026), skilled nursing coinsurance, Part B excess charges, and foreign travel emergency care. The only gap is the Part B deductible ($257 in 2026). In Oregon, the average Plan G premium for a 65-year-old is approximately $150/month.

Plan N offers lower premiums — averaging about $114/month for age 65 in Oregon — in exchange for modest copays: up to $20 for office visits and $50 for emergency room visits (waived if admitted). Plan N does not cover Part B excess charges, which doctors who do not accept Medicare assignment may charge.

Plan F covers everything Plan G covers plus the Part B deductible. It is only available to those who became eligible for Medicare before January 1, 2020. If you are eligible, Plan F premiums in Oregon average around $195/month at age 65.

All Medigap plans in Oregon are standardized by the federal government — a Plan G from one insurer offers identical benefits to a Plan G from any other. The difference between insurers is price, financial strength, and customer service. Last updated: May 2026.

Oregon Attained-age Rate System

Insurance companies in Oregon use the Attained-age pricing method to set Medigap premiums. Attained-age rating means premiums increase as you get older. The estimated 4% per year increase compounds over time. Oregon has a birthday rule allowing plan switches each year.

Under Attained-age rating in Oregon, premiums are also influenced by gender (male enrollees typically pay 5–8% more), tobacco use (20% surcharge is common), and household discounts (5% off when multiple people in the household have coverage from the same insurer).

Because Oregon uses Attained-age pricing, the best strategy for most beneficiaries is to enroll during your Medigap Open Enrollment Period — the six-month window starting the month you turn 65 and enroll in Medicare Part B. During this window, insurers cannot deny coverage or charge higher premiums based on your health history. Once this window closes, Oregon insurers may use medical underwriting outside of specific guaranteed-issue situations.

Comparing quotes from multiple insurers in Oregon is essential. Premiums for the same plan can vary by 30–50% between carriers, even for identical coverage. Use this calculator as a starting estimate, then get personalized quotes from a licensed Oregon Medicare broker.

When to Buy or Switch Medigap in Oregon

The single best time to enroll in a Medigap plan in Oregon is during your Initial Enrollment Period: the six-month window when you first turn 65 and enroll in Medicare Part B. Federal law guarantees you can buy any Medigap plan sold in Oregon at this time, with no medical underwriting and no risk of denial.

After your Open Enrollment Period ends, switching Medigap plans in Oregon becomes more complicated. In Oregon, the birthday rule gives you a 30-day window each year (around your birthday) to switch to an equal or lesser Medigap plan without health questions.

There are also federal Guaranteed Issue situations — such as losing employer coverage, moving out of your Medicare Advantage plan's service area, or your plan going bankrupt — that allow you to buy a Medigap policy without underwriting in Oregon.

Before switching plans, compare the premium savings against potential out-of-pocket exposure. A lower-premium Plan N saves money month-to-month but may cost more if you need frequent specialist visits. Run the numbers using this calculator, and consult a licensed Oregon Medicare advisor for personalized guidance. Based on CMS 2026 data for Oregon (OR).